62. Spend Wisely

Approach Your Spouse Lovingly Do not begin by accusing your spouse of wrongdoing or by pointing out faults. Deserved or not, this sort of treatment will only drive a wedge between the two of you and make it harder to communicate. Instead, approach the subject in a loving manner. For example, explain that you want to start monitoring spending habits as a couple, and then start a discussion from there. Another tactic is to discuss ways to save up for something really important like retirement. Drive home the point that you are a team in your financial efforts.